One-way freezing of CCB is generally very serious.
Personal freezing of bank cards: Your bank card can only deposit money, cannot withdraw money, and can only be used for personal activities.
1. Why is it one-way freezing?
There are many reasons for one-way freezing of bank cards. For example, the bank mistakenly transfers funds to the depositor's account and obtains the wrong password three times in a row. , if the bank card has been frozen due to reasons such as expiration and failure to re-apply, you can go to the bank to handle the unfreezing procedures; if the bank card is frozen due to the court's dishonest list or other illegal activities, the bank can unfreeze the bank card only after paying off the arrears.
2. How to unfreeze
1. When the cardholder reports the loss of the bank card, the bank card will be frozen for 5 natural days. If a permanent loss report is processed, the bank will permanently freeze the card, and the cardholder will need to go to the bank to replace the card.
2. If your credit card or loan is overdue for a large amount and for a long time, you need to pay off the balance before applying for unfreezing. Whether it can be unfrozen depends on the bank's audit results.
3. The cardholder’s bank card has been frozen by the judicial authority. After the case is concluded, the cardholder must apply to the local people’s court to unfreeze the bank card. Typically, it will defrost automatically within 6 months.
3. The criminal investigation department has filed a case to freeze the bank card.
After receiving a report, the public security organ will usually open a case for investigation to see whether the case is true and whether it constitutes a criminal act. To prevent criminal suspects from transferring property, they can freeze bank cards.
Legal basis: Article 102 of the "Criminal Procedure Law of the People's Republic of China" stipulates that when necessary, the people's court may take preservation measures to seal up, detain, and freeze the defendant's property. . The plaintiff or the people's procuratorate in an attached civil lawsuit may apply to the people's court for preservation measures. The relevant provisions of the Civil Procedure Law shall apply to the preservation measures taken by the People's Court.
Warm reminder: If you find that your bank card has been frozen, please pay attention and handle it immediately to avoid being used by criminals. If you find that your bank card has been frozen for unknown reasons, you can choose to consult a professional.